Pre-existing diseases - Any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer
Waiting periods: This is applicable for diseases for which typically treatment can be delayed and planned
Cost of pre policy check up - mandated by IRDAI that insurer would bear at least 50% of health checkup expenses.
Critical illness policy is a benefit policy with a provision to pay a lump sum amount on diagnosis of certain named critical illness. As a standalone policy or As an add-on cover to a few health policies or As an add-on cover in some life insurance policies. This product is also known as the dreaded disease cover or a trauma care cover.
Standard condition seen in all critical illness policies is the waiting period of 90 days from inception of policy for any benefit to become payable under the policy and the survival clause of 30 days after diagnosis of the illness.
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